Introduction of No Claim Bonus ka Hindi matlab.
No claim bonous ko hum ncb ke nam se bhi jante hain. Ab apko batate hain ki ye kya hai aur apko kyun iske bare me pata hona cahiye. Ye insurance company ke dwara customer ko diya jane wala bonous point hai jise customer apni gari ke insurance renewal par ek discount prapt karta hai. Dusri bhasa me kahe to ye ek tarah ka Loyalty programme ya customer retention programme hai.
To pahle hum jante hani NCB(No Claim Bonous) Kya hai?
priya pathak ncb kisi bhi insurance company dwara apne grahak ko diya jane wala wo bonous hai, gise grahak ko ek pura sal gari ko acchi se chalane ke liye diya jata hai. Iska matlab ye bhi hai agar ek pura sal tak gari me insured yani ki customer accident ke avage me claim nahi leta hai to use uski achhi driving ke liye insurance company ek reward point deti hai. jaise maan lijiye, humare pas state bank of india ka agar credit card hai. To credit card company ke taraf se ye kaha jata hai ki agar ap 10000 rupya ki shopping karenge to apko 1000 rewad point milenege jise ap apni next shopping me redeem kar sakte hain. Asa karta hoon ki ap samjh gaye honge.
Apko kyun iske bare me pata hona cahiye ?
Kyun customer ko iske bare me pata hona cahiye ye ek bari romanchak jankari hai jise ap age padhenge. Priya Pathak, bahut sare gari ke customers ko lagta hai ki unhe jo ncb milta hai use apne next renewal me wo redeem kar sakte hain. Par isme kuch bate conditional hoti hain jis age bistar se batya gaya hai. Customers ko gari ka claim lene se pahle ye dekhna cahiye ki, gari me jo nuksan hua hai uska kul lagat kitna hai aur ncb unhe kitna milne wala hai. Udaharan ke liye man lijiye ki apki gari sal 2023 me apne kharidi hai aur pahle sal apne claim nahi liya to is hisab se pahle sal ka 20% NCB apko milega jise dusre sal ke insurance renewal me apne redeem kiya aur discount apko mil gaya. Phir agar dusre sal bhi apne claim nahi liya to apko NCB milega 25% ab usi sal man lete hain ki customer ki gari me ek chota sa accident ho gaya. To dealer wale gari ka inspection karke apko kahenge ki isme 2500 rupaya ka kharcha ayega to phir dealer walase puchiye ki mera yani ki grahak ke gari ka NCB amount kitna hoga aur man lete hain ki wo amount hai 3500 rupya. To NCB amount kul kharchae se jyda hai to aisi paristhi me customer ko humesa cash me kam karwa lena cahiye.
Mukhya Baten NCB ke Bare me..
Bahut sare log iski ek bat to bilkul hi nahi jante honge.
To isko hum nimmnlikhit rup se apko batate hain, jiske bare me niche maine likh diya hai.
- Reward point jo hota hai wo cash ke rup me nahi milta hai.
- Iss reward point ko customer apnne gari ke insurance ke basic premium me hi discount ke rup me avail kar sakta hai.
- Agar apko NCB mila hai to policy paper ke expire hone se 90 din ke bhitar apko apna insurance renewal karwal lena hogan ahi to apka No Claim Bonous expire Ho jayega.
- Mile huye purani gari ki NCB ko grahak cahe to apni purani gari ko bechte samay aur nayi gari ke insurance lete time avail kar sakta hai. Sirf Customer ko same hona hoga aur insurance company ko bhi same hona hoga.
- NCB maximum 6 sal tak hi milta hai. Uske bad bhi maximum percentage same rahega claim nahi lene par. Agar claim le lia to phir se 20% se suru hoga.
NCB ka year wise chart niche hai.. ap apne reference ke liye ise dekh sakte hain.
| Insurance ka Sal yani ki periods. | % percentage of NCB |
| Pahle sal nayi gari par koi claim nahi lene par. | 20% NCB Milega. |
| Dusre sal koi claim nahi lene par . | 25% NCB Milega. |
| Tisre sal koi claim nahi lene par. | 35% NCB Milega. |
| Cauthe sal (4th Year) koi claim nahi lene par. | 45% NCB Milega. |
| Panchew Sal(5th Year) koi claim nahi lene par. | 50% NCB Milega. |
| Chate Sal(6th Year) koi claim nahi lene par | 65% NCB Milega(Sun Set NCB/Final NCB) |
NCB ki jankari pratek gari ke owner ko honi cahiye. Iske parameter sab ko achhi tarah se pata hone par ap kabhi kabhi jyda munafa kar lete hain. Koi bhi aur jankari cahiye to please hume comment karen. Main apke comment ka uttar zarror dunga. Is line ke sang Jai hind ke sath hum NCB ke is blog ko apne next lekh tak katam karte hain.
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Is it good to have no claims bonus?
Ji han apke pas NCB hone se bahut fayda hai. Har sal basic premium par apko discount milta rahega 6 varshon tak, agar ap koi claim nahi lete hain tab.
6 years ke bad apni purani gari bechne par apka NCB ap apni gari par transfer kar sakte hain.
What does 65% no claim bonus mean?
65% NCB mean it is like and called SUN SET NCB. Matlab ap ne ek gari kharida aur lagatar 6 sal tak gari me koi claim nahi liya to apko jo NCB milta hai wo 65% ka hota hai aur ye maximum hai. Satwe sal bhi claim nahi lene par apko maximum 65% ka hi NCB milega.
Is there any no claim bonus after 5 years?
Bahut hi achha prasna hai. Ji han after 5 years ke bad bhi NCB milte rahega agar ap ne koi claim nahi liya to.
Who earns no claims bonus?
Agar apki gari hai aur pure ek sal ke policy period me apne koi claim nahi liya to ap NCB yani ki no claim bonous earn kar sakte hain.
Do I get NCB as a second driver?
Yes you can. But apko policy endorsement karwana hoga apke nam par. Phir apko bhi mil sakta hai.
Will I lose my no claims bonus if I don’t have a car?
NCB age is 90 days. You have 90 days to avail NCB otherwise it became laps. 90 din ke bad NCB ki validity khatam ho jati hai
Is 9 years no claims the maximum?
It will be same after 6 years & it is 65%..
Can I protect 2 years no claims?
No you have to redeem it on 3rd year insurance renewal from the date of expiry to till next 90 days.
What does 1 year no claims do?
You can avail discount on basic premium of 20% during renewal.
Is no claims transferable?
Yes it is transferrable but customer need to be same.